IFSC Code of Jana Small Finance Bank Limited, Swarupnagar Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for Jana Small Finance Bank Limited, SWARUPNAGAR branch in NORTH PARGANAS. The 11-digit IFSC JSFB0003510 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Jana Small Finance Bank Limited at the SWARUPNAGAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Jana Small Finance Bank Limited's SWARUPNAGAR branch, the IFSC JSFB0003510 breaks down as follows: JSFB identifies the bank, 0 is the reserved character, and 003510 identifies this particular branch.

Branch details at a glance

Bank profile

Jana Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Swarupnagar branch — IFSC JSFB0003510 — extends the bank's services to customers in and around North Parganas, West Bengal.

Swarupnagar branch overview

Located at JANA SMALL FINANCE BANK,JANA SMALL FINANCE BANK LTD,GROUND FLOOR,MOUZA KACHUA,SWARUPNAGAR,JL.NO.14,BASHIRHAT P.S,DIST - NORTH24 PARGANAS,SWARUPNAGAR - PIN-743411, the Swarupnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC JSFB0003510 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Jana Small Finance Bank Limited's SWARUPNAGAR branch came to be assigned the code JSFB0003510.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC JSFB0003510, money simply cannot be routed to the SWARUPNAGAR branch electronically.

How to transfer money using IFSC JSFB0003510

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC JSFB0003510 across all three.

NEFT to Jana Small Finance Bank Limited, SWARUPNAGAR using IFSC JSFB0003510

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC JSFB0003510, and confirm that the system picks up Jana Small Finance Bank Limited – SWARUPNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SWARUPNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Jana Small Finance Bank Limited's SWARUPNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC JSFB0003510 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Jana Small Finance Bank Limited – SWARUPNAGAR, use IMPS. With IFSC JSFB0003510 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC JSFB0003510 for Jana Small Finance Bank Limited – SWARUPNAGAR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Swarupnagar branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Jana Small Finance Bank Limited's SWARUPNAGAR branch, the IFSC JSFB0003510 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Swarupnagar branch is mapped to IFSC JSFB0003510 on the RBI payments network. The branch generally supports the full retail product catalogue of Jana Small Finance Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains JSFB0003510.

Banking services available

The Swarupnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC JSFB0003510

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Jana Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC JSFB0003510 and the account number together uniquely identify the Swarupnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC JSFB0003510

Jana Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SWARUPNAGAR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC JSFB0003510 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC JSFB0003510

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Jana Small Finance Bank Limited – SWARUPNAGAR, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: JSFB0003510.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Swarupnagar branch sits at JANA SMALL FINANCE BANK,JANA SMALL FINANCE BANK LTD,GROUND FLOOR,MOUZA KACHUA,SWARUPNAGAR,JL.NO.14,BASHIRHAT P.S,DIST - NORTH24 PARGANAS,SWARUPNAGAR - PIN-743411. If you are travelling from outside North Parganas, search for the branch on a maps application using the bank name and locality, or call 0 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC JSFB0003510 and your account number.

Verifying IFSC JSFB0003510 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm JSFB0003510 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Swarupnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC JSFB0003510, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code JSFB0003510 belongs to Jana Small Finance Bank Limited's SWARUPNAGAR branch, located at JANA SMALL FINANCE BANK,JANA SMALL FINANCE BANK LTD,GROUND FLOOR,MOUZA… in NORTH PARGANAS, WEST BENGAL. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.